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accidental means Action by beneficiary Action by insured agent agreement alleged amount annuity Ass'n beneficiary to recover cash surrender value cause change beneficiary change of beneficiary Cife claim clause Commissioner Community Property Condition Precedent coronary occlusion Counsel Court of Appeals decedent deduction directed verdict disease District double indemnity effect employees evidence February 15 Federal Estate Tax ficiary group policy held hernia Home Office hospital Inheritance Tax injury insurance company insurance policies insured died insured's death insured's wife insurer affirmed insurer appeals Insurer contended interpleader John Hancock Judgment for beneficiary Judgment for insurer jury lapsed liability loan Metropolitan Misrepresentations in Application Mutual payable Permanent Disability Policy provided premiums paid prior Proof of Disability receipt received reinstatement Reversible Error Sound Health statute subhead Supp Supreme Court Taxation taxpayer Tenn testified Third Party Beneficiary total and permanent total disability trial court trust waiver York